Ok, this is rare Jwsister because up until this point I've never disagreed with anything you had to say....... There are some options still available even with a Bk and tax lien.... I know because I done so about 6 years ago with a Bk and a court judgement on my credit. The requirement are: You must be in your BK for a minimum of 2 years making timely payments. Next work on getting the tax lien resolved, you should be able to settle for pennies on the dollar. Make sure all your accounts that are in Bk reflect that they are being handled under your chapter payments. You will also need to write a letter of explaination for the underwritter to approve your mortgage; just explain why you had to file for Bk and how you've learn how to budget and keep track of your monthly expenses. Ask your Bk Lawyer for permission to incure debt. They should also have a list of mortagage companies that are willing to finance people under Bk's. Also ask your trustee for a print out of your chapter payments as this will be needed as proof that you are paying your bills on time as your Bk don't report monthly payment to the credit bureaus. Remember make sure you ask your Bk Lawyer for permissoin to do so, if not you will run the risk of being discharged from your Bk prematurely and futher ruin your credit life....... Aslo look for FHA loans, those are the best ones, that and a company called NACCA.......

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